191 Water Oaks Loop, Santa Rosa Beach

$435,000

3 Beds
3 Baths
1,417 Sqft
.09 Acre
0 Garage

Never lived in 2021-built Florida cottage in a non-short-term rental community in Santa Rosa Beach, offering a quiet residential setting just minutes from 30A and local hotspots. Originally held off-market as the builder's office, this home presents as new with a clean, well-maintained interior and no prior occupancy.

The 3-bedroom, 2.5-bath layout spans approximately 1,417 square feet with an open-concept living area, tray ceilings, and abundant natural light. The kitchen features white shaker cabinetry, solid surface countertops, stainless steel appliances, and a large island overlooking the main living space. Luxury vinyl plank flooring runs throughout, creating a cohesive, low-maintenance interior.

The primary suite includes a double vanity and a walk-in shower. The split-bedroom layout provides separation from the additional bedrooms. Located in a neighborhood with HOA-maintained standards and no short-term rentals, this property offers a more stable, residential environment compared to nearby rental-heavy areas.

Conveniently located just off Mussett Bayou with easy access to Hwy 98, 30A, dining, shopping, and the emerald coast beaches.

All information is deemed reliable but not guaranteed. Buyer to verify all details, including but not limited to measurements, features, zoning, and permitted uses.

Essential Information
MLS® #999960
Price$435,000
Bedrooms3
Bathrooms3.00
Full Baths2
Half Baths1
Square Footage1,417
Acres0.09
Year Built2021
TypeResidential
Sub-TypeDetached Single Family
StyleFlorida Cottage
StatusActive
Community Information
Address191 Water Oaks Loop
Area16 - North Santa Rosa Beach
SubdivisionWATER OAKS
CitySanta Rosa Beach
CountyWalton
StateFL
Zip Code32459
Utilities

Community Sewer, Community Water, Electric, Underground

Interior
HeatingCentral
CoolingCentral Air, Ceiling Fan(s)
# of Stories1
Appliances

Cooktop, Dishwasher, Freezer, Microwave, Refrigerator

Exterior
Exterior FeaturesColumns, Sprinkler System
RoofComposite Shngl
ConstructionFrame, Siding CmntFbrHrdBrd
School Information
ElementaryVan R Butler
MiddleEmerald Coast
HighSouth Walton
Additional Information
ZoningResid Single Family
Listing Details
OfficeAnchor Realty Florida
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DISCLAIMER: Information Deemed Reliable but not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
All listings are provided courtesy of the Emerald Coast Association of Realtors, Copyright2026, All rights reserved.
Vendors Member Number : 28325

Listing information last updated on October 14th, 2026 at 11:37pm CDT.